Congrats! That's an awesome limit.
You should have them ugrade the account to a siggy
NFCU FAN CLUB FAN#1
@armywifelong03 wrote:@Thank you! We are beyond thrilled.... Found out this morning that it was approved for $25,000 @ 12.9%. Almost had a heart attack! Just to give everyone a picture, my scores below are not accurate. I have no clue how to update.
We are both at 673-690 across the board. We have two car loans, never late. Student loans, never late and about 5 credit/score cards, never late, although we have a pretty high utilization because of good ol Christmas. We have had 0 inquiries on our credit int he last year and a half so applying for this was very nerve wracking for us! But, we knew we had to take this step and it would, in the long run, help us when we buy a house next summer. I am so thankful for the myfico boards! We haven't had a late payment in over four years, but two years ago, our scores were still in and around 550s and this board helped us finally bring them up!
Sign in, go to 'my settings", edit what's in the signature section, and press save.
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
I just signed up with NFCU and got a banner on my page saying I had been pre-selected for the Cash Rewards Card. I applied right away and got a message that it would take 1 business day for approval. The following day I got another message that said my application was under review and I would be notified in 7-10 business days. Has anyone else seen this? Do you think there is a problem with the application?
Second, I have seen lots of post about where they pull from.....for me they pulled EQ and TU both.
**** UPDATE****
Just got the approval email from NFCU...got the card but with only $1000 limit. I am not really suprised considering my score. However, my score should go up withing the next couple of weeks because I am waiting on payments to post that will drop my UTL down to 9% and a collection that will drop off. So, should I call and ask for an increase when that happens or just wait the 6 months??????
20 Feb 13 UPDATE
I pulled the trigger to ask for the recon on the credit limit.......So glad I did.... Went from $1k to $10k!!!!!!!!!
Navy Federal Response 02/20/2013 : Thank you for providing us with your most recent pay stubs. After reconsideration we have approved a credit limit of $10,000.00. If we can be of further assistance, please let us know.
*8/10/13
What were your scores when you applied?
Starting Score (4/6/2013): (All lender pulls) Exp 583, Trans 570, Eq 535